A broken part of a patient’s hip joint is taken off and replaced; this process is called hip replacement. It is an artificial joint consisting of ceramic, solid plastic, and metal. As per the Mayo Clinic, the most general cause of hip replacement is the damage of Arthritis. If a patient has pain and immobility due to a broken, injured, or weak hip, then some of the cost of hip replacement could be covered by Medicare’s help. Let’s look at the different Medicare plans and how it could help with the cost of hip replacement.
Is Part B of Medicare Helpful for Covering the Expense of Hip Replacement?
As per the Mayo Clinic, a patient would need several examinations before having a hip replacement. A patient mightn’t only be required to have a hip examination and require an over-all physical examination to ensure that the patient is healthy for surgery. Your doctor may also ask for an X-Ray, Blood tests, an MRI of the patient. Mostly, Medicare Part B covers medical expenses of outpatient. It also covers the fee of outpatient physical therapy that the patient gets during a hip replacement recovery. Part B of Medicare also covers the cost of another opinion for the surgery, for example, hip replacements. The patient pays around 20% of the total amount approved by Medicare for the services, including the deductible.
Is Part A Helpful in Covering the Expense of Hip Replacement?
A patient has to stay in the hospital after a hip replacement for 24 hours, as per the National Institutes of Health (NIH). A patient has expert nursing for physical therapy. Moreover, Medicare Part A covers a patient’s stay in the hospital for recovery.
Does the Medicare Supplement Help in Covering the Expense of Hip Replacement?
Private insurance firm’s plans might help in covering the cost of Medigap or Medicare Supplement. Part A and B, Original Medicare has other costs like deductibles, and copay’s for a patient’s hip replacements. These Medicare supplement plans usually never cover the expense of prescribed drugs. The number of Medicare supplement standardized plans in many states is 10. In comparison, some states such as Massachusetts, Minnesota, and Wisconsin have their specific standardized plans. Each plan covers the expense of a different amount.
Does Medicare Benefit Help in Covering the Cost of Hip Replacement?
Medicare Benefit Plans consist of the technique to acquire a patient’s Medicare Part A and Part B advantages by a private insurance firm. Medicare Benefit plans should cover all the expenses that Original Medicare covers, excluding hospital care that is yet to be covered. It signifies that Medicare Benefit covers medic visits, physical therapy, X-rays, MRI, and operation expenditures associated with a patient’s hip replacement.
An advantage of Medicare benefits is that the expenditure is usually co-payed rather than coinsured. Coinsurance is known as the percentage, for instance, 10% of the overall expense. A patient doesn’t know the surgery’s cost until they see the bill in monetary form. A copayment is an amount known by the patient; for instance, $40 to consult a specialist.
Does Part D Medicare Help in Covering the Cost of Hip Replacement?
A doctor might prescribe various medicines after hip replacement surgery, such as pain killers and blood-thinning drugs. Medicare will cover this expense if a patient receives a spinal block or a general anesthetic before undergoing the operation. But Medicare parts A and B generally never cover the medicines taken by patients at home. Part D of Medicare includes the cost of medications you take at home. The patient can choose this plan individually alongside Original Medicare or through the Medicare Advantage plan.